A lot of money goes towards the things that turn a house into a home.
These things, house contents, could be anything like furniture, clothing, electronic equipment (TVs, fridges, computer equipment), rugs, curtains, mirrors and gardening tools. In the unfortunate event that you are a victim of burglary or loss you want to make sure that your house contents are adequately covered.
Our contents insurance covers the following:
Accidental breakage of mirrors and certain glass inside your house
Fire extinguishing charges incurred to prevent or reduce damage to your property
Damage to your property caused by wild monkeys or baboons
Accidental spoiling of the contents of your refrigerators or freezers inside your private residence
Medical expenses of guests and domestic employees
Cost of trauma treatment after theft, burglary, hijacking or fire
The cost of employing security guards after an insured event
The necessary costs of removing debris or your damaged contents after loss or damage caused by an insured event
Washing on the line against any insured event
Optional cover
Power surge
Accidental damage, mechanical or electrical, to items in your house
We can’t keep the unexpected from happening. But we can make sure that there are no nasty surprises when it comes to your insurance and you are not left with more questions than answers. Our excess structure enables us to fulfil our promise to you of insurance good and proper. With our flat excess, you know upfront how much your excess will be thus eliminating surprises at claims time. Now that’s proper, dependable, thorough insurance against any eventuality.
Contents
• The excess for claims relating to lightning is n$500 and n$250 for accidental damage
Excess for clients 55 years and older
• No excess applicable
Cover for connoisseurs
Personal legal liability
Personal legal liability provides insurance cover if you are legally responsible for the accidental death, illness or injury to someone who is not a member of your household. This cover includes your legal responsibility for accidental physical loss or damage to someone else’s property or belongings.
Extended personal legal liability
No matter where you go in the world, we will ensure that you are covered against eventualities which you are not covered for under our Personal legal liability section.
Legal costs and expenses
This option provides cover for any personal legal costs and expenses. This includes legal defence costs of family matters, as well as criminal, civil or labour court actions.
Personal accident
We provide cover for your accidental death or permanent disability as a result of bodily injury due to, and within 12 months of an accident.
Hospital benefit plan
Our hospital benefit plan compensates you for each 24-hour day in hospital as a result of an event which you are insured for.
All Risks
We carry expensive lifestyle items and other valuables with us every day.
Our All Risks solution provides cover for loss of or damage to items you normally wear or carry with you outside your home.
Our All Risks section includes cover for:
Clothing and personal effects - the clothes you wear, as well as the personal items you carry with you, including personal sporting equipment; and
Specified items – items that need to be specified for cover, based on their correct value. This includes keys, locks, remote control units, certain collections, bicycles, laptops, tablets and cellphones. All specified items will be reflected in your policy.
Cellphone
Jewellery
Audiovisual
Special collection
Laptop
Welcome to our blog
Santam shares the latest news and great perspectives on everything from the formation of lightning and your car’s tyre tread to your house’s roof, your business’ gutters and just about anything else that affects your safety.
Our guide to home contents insurance - and why combining cover saves you money
10 tips to ensure your insurance claim is paid out
26 July 2016
The Ombudsman is often approached to settle disputes after a claim has been rejected by an insurer. Here are 10 essential tips to make sure you won't have a claim rejected.
Drunk driving warning from ombud
26 July 2016
You are probably aware that if you crash your car while driving under the influence of alcohol or other drugs, your insurance company has the right to repudiate your claim, leaving you liable not only for the damage to your vehicle, but also for any other damage caused by the accident.
We’re in the business of paying claims, and we do so promptly and efficiently. Click below to see how having the correct cover in place can make all the difference.
We knowthings may go wrong. That’s why we offer more than just cover. Click below to find out how weprovide comfort, convenience and peace of mind when you need it most.
